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Original filing (PDF)20251013165256NAL0000850915002
CWGS GROUP, LLC
Form 5500
FILING_RECEIVED
FREEDOMREWARDS 401(K) PLAN
401(k) retirement plan
Signals · 1
7 service providers
Active participants
12,773
Accounts w/ balance
18,432
Plan assets (EOY)
$341.7M
Net assets (EOY)
$341.7M
How this plan invests
This plan
25 pooled trusts
Schedule D
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 35 bps in Schedule C fees — 249% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CWGS GROUP, LLC.
Plan sponsor
Name
CWGS GROUP, LLC
EIN
46-3759013
Address
250 PARKWAY DR STE 270 · LINCOLNSHIRE, IL · 60069
Phone
(312) 560-4900
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $1.1M | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COOK STREET CONSULTING, INC. | 84-0854432 | — | CONSULTANT | $46K | — |
| CAPFINANCIAL PARTNERS, LLC | 26-0058143 | — | INVESTMENT ADVISOR | $9K | — |
| CURCIO WEBB | 36-4171366 | — | INVESTMENT ADVISOR | $7K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CROWE LLP | 35-0921680 | — | AUDITOR | $32K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SEYFARTH SHAW LLP | 36-2152202 | — | LEGAL | $15K | — |
Investments
14 direct securities · 25 pooled funds· $353.1M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$274.9M
25 holdings
Uncategorized
$75.9M
13 holdings
Mutual Funds
$2.3M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. ROWE PRICE RETMENT 2035 TRUST F T. ROWE PRICE · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $30.3M | 8.9% | |
| T. ROWE PRICE RETMENT 2040 TRUST F T. ROWE PRICE · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $28.1M | 8.2% | |
| STATE STREET S&P 500 IDX CLASS II STATE STREET · EIN 04-0025081 / PN 078 | Common Collective Trust | — | — | $27.4M | 8.0% | |
| T. ROWE PRICE RETMENT 2045 TRUST F T. ROWE PRICE · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $26.2M | 7.7% | |
| T. ROWE PRICE RETMENT 2050 TRUST F T. ROWE PRICE · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $24.2M | 7.1% | |
| T. ROWE PRICE RETMENT 2030 TRUST F T. ROWE PRICE · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $24.2M | 7.1% | |
| Fidelity Contrafund K6 # | — | — | — | $24.0M | 7.0% | |
| T. ROWE PRICE RETMENT 2055 TRUST F T. ROWE PRICE · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $23.4M | 6.9% | |
| T. ROWE PRICE RETMENT 2060 TRUST F T. ROWE PRICE · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $18.3M | 5.4% | |
| T. ROWE PRICE RETMENT 2025 TRUST F T. ROWE PRICE · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $17.2M | 5.0% | |
| STATE ST RUSSELL SM/MD CAP IDX II STATE STREET · EIN 32-6528132 / PN 019 | Common Collective Trust | — | — | $15.9M | 4.7% | |
| Participants Notes Receivable with interest rates of 4.25% to 9.50% | — | — | — | $11.4M | 3.4% | |
| and maturity dates through 2033 # | — | — | — | $11.4M | 3.4% | |
| MFS LARGE VALUE CLASS MSG GREAT GRAY · EIN 99-1068696 / PN 001 | Common Collective Trust | — | — | $9.4M | 2.7% | |
| Stable Value Account New York Life Group Annuity Contract # GA-32084 # | — | — | — | $7.9M | 2.3% | |
| Dodge & Cox Dodge & Cox Inc X # | — | — | — | $7.6M | 2.2% | |
| T. ROWE PRICE RETMENT 2020 TRUST F T. ROWE PRICE · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $7.3M | 2.1% | |
| American Funds EuroPacific Growth R6 # | — | — | — | $6.5M | 1.9% | |
| STATE ST GL ALL CP EX US IDX CL II STATE STREET · EIN 04-0025081 / PN 444 | Common Collective Trust | — | — | $5.7M | 1.7% | |
| T. ROWE PRICE RETMENT 2065 TRUST F T. ROWE PRICE · EIN 85-1790880 / PN 001 | Common Collective Trust | — | — | $5.7M | 1.7% | |
| STATE STREET U.S. BD IDX CL XIV STATE STREET · EIN 90-0337987 / PN 477 | Common Collective Trust | — | — | $5.1M | 1.5% | |
| Self-Directed Brokerage Account *Various Personal Choice Retirement Account # | — | — | — | $3.6M | 1.1% | |
| T ROWE PRICE STABLE VAL A T. ROWE PRICE · EIN 52-1309931 / PN 001 | Common Collective Trust | — | — | $2.5M | 0.7% | |
| American Beacon Small Cap Value R6 # | Mutual Funds | — | — | $2.3M | 0.7% | |
| T. ROWE PRICE RETMENT 2015 TRUST F T. ROWE PRICE · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $1.8M | 0.5% | |
| Hood River Small-Cap Growth Retirement # | — | — | — | $1.8M | 0.5% | |
| STATE STREET US INFLATION PROTECTED STATE STREET · EIN 32-6528132 / PN 037 | Common Collective Trust | — | — | $902K | 0.3% | |
| T. ROWE PRICE RETMENT 2005 TRUST F T. ROWE PRICE · EIN 61-6434302 / PN 001 | Common Collective Trust | — | — | $678K | 0.2% | |
| Dimensional DFA Global Real Estate Sec I # | — | — | — | $555K | 0.2% | |
| T. ROWE PRICE RETMENT 2010 TRUST F T. ROWE PRICE · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $435K | 0.1% | |
| Money Market Fund *State Street Bank & Trust Co. Cash Reserve Account # | — | — | — | $435K | 0.1% | |
| Gabelli US Money Market I # | — | — | — | $241K | <0.1% | |
| Blackrock High Yield Bond K # | — | — | — | $157K | <0.1% | |
| Fidelity International Bond Index # | — | — | — | $132K | <0.1% | |
| T. ROWE PRICE RETMENT BAL TRUST F T. ROWE PRICE · EIN 38-7011316 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| NT AGGREGATE BOND INDEX NL TIER 3 NORTHERN TRUST · EIN 45-6138589 / PN 243 | Common Collective Trust | — | — | $0 | <0.1% | |
| NT ACWI EX-US IMI INDEX NL TIER 3 NORTHERN TRUST · EIN 45-6138589 / PN 568 | Common Collective Trust | — | — | $0 | <0.1% | |
| NT EXTENDED EQ MKT INDEX NL TIER 3 NORTHERN TRUST · EIN 45-6138589 / PN 575 | Common Collective Trust | — | — | $0 | <0.1% | |
| NORTHERN TRUST S&P 500 IDX NL T3 NORTHERN TRUST · EIN 45-6138589 / PN 002 | Common Collective Trust | — | — | $0 | <0.1% |